Few quick questions

[Anonymous]

Good day everyone.

Just a few questions.

1) Can a collection agency, by law, do a hard pull on your credit report when they acquire an account of yours?

2) I purchased my TransUnion score and report here on this site and it says my score is 597, is this the true score or a fake?

Thanks.

Edit to add: I noticed two collection accounts that just say "Medical" and give no collection agency name/address/phone. How would I take care of these? They are really small amounts.

Message Edited by sidewinder on 02-05-2008 06:32 AM

[llecs]

1) CAs have permissible purpose in pulling your reports, IMO. Some may argue otherwise. I see their point too. I do disagree with my statement if they pull over and over and over again (i.e. monthly). Law applicalbe is FCRA.

2) All scores purchased here are 100% bonafide FICO scores and cannot be found anywhere else.

Medical collections are masked, I assume as per HIPAA. Medical collections are treated differently than other collections due to the nature of medical privacy. I don't know enough to give advice but you could probably find their contact info directly via the CRA.

[Anonymous]

Equifax, Inc.
P.O. Box 740241
Atlanta, GA30374

                                                            Date

Dear Sir/Madam:

My name is _________, my SS # is ________ (see attached copies of driver’s license and social security card for verification).

I am sending this dispute certified mail # xxxx to make sure you receive it; this is in regard to account # xxxxx on my report # xxxxx.

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided.  If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Very truly yours,

Name

[Anonymous]

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sidewinder wrote:

Edit to add: I noticed two collection accounts that just say "Medical" and give no collection agency name/address/phone. How would I take care of these? They are really small amounts.

Message Edited by sidewinder on 02-05-2008 06:32 AM

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I found out the name of who was reporting these two accounts when I purchased my Equifax report from Equifax direct. However, they show Date of First Delinquency as 01/2003 and 09/2003 for the accounts.

The problem is, I don't deny that I may in fact owe these amounts. BUT, I was already moved from that area by June 2002, so it HAD to be before that.

I am wondering if those dates are when they were done arguing with the insurance company and decided to bill me direct, would that account for the difference in dates?

Also, the score I got from Equifax is not a true FICO score, right? My Equifax FICO score could be different from that score?

Message Edited by sidewinder on 02-06-2008 02:14 PM